Dave, these are like 80% profit for the dealer. Same deal as the "extended warranty" they push at Best Buy or Sears. You can add it later without a problem. Any dealer will sell you one. Shop around, you should be able to get it for considerably less $. The Volvo 2+ extended service contracts are generally done through FPC (at least mine are) Disclaimer, Volvo gave me mine on both engines when I had the oil line issue on my port engine for my trouble. I believe I paid $550 for the one I had on my 2000 248 Vista (5.7)
I believe if you let him know that these are a BIG PURE profit center for him and ask for a good deal on it or you'll look into getting one later he'll come down considerable. A bird in the hand is better than two in the bush!
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Jvalich
http://www.badcock.com'04 FW 288 Vista "Mental Floss"